WIXLIB

Goldman Sachs designed the index with a volatilitycontrol feature to minimize large swings in the indexand limit exposure to market highs and lows. Thismomentum-driven index uses a dynamic-allocationstrategy across six asset classes: Domestic EquityInternational BondsInternational Equity6 CommoditiesDomestic BondsMoney MarketFixed Interest Option One YearThis option credits daily interest at a fixed ratedeclared in advance, guaranteed for one index year, andwill be no lower than the rate prescribed in the law of thestate where the contract is delivered or issued for delivery.ACCESS OPTIONS 7PARTIAL WITHDRAWALS WITH NOWITHDRAWAL CHARGEAnnuities are designed for long-term accumulationand retirement funding. Still, for financial flexibility,some access is available while withdrawal charges apply.Starting in the first year, automatic monthly withdrawalsof the interest credited to the contract may be taken on allnet premiums allocated to the fixed option.After the first contract year and while withdrawal chargesare in effect, 10% of the account value calculated as ofthe beginning of the contract year (noncumulative)may be withdrawn without a withdrawal charge (a freewithdrawal). Withdrawals of taxable amounts will besubject to ordinary income tax and, before age 59½,generally will be subject to a 10% IRS penalty tax.Amounts withdrawn from indexed options before the endof an interest crediting period receive no interest for thatinterest crediting period.7 Withdrawals of taxable amounts will be subject to ordinary income tax and, beforeage 59½, generally will be subject to a 10% IRS additional tax.TRANSFERSOn an allocation date at the end of a crediting period,all or part of the accumulated value attributed to thatcrediting period may be transferred between the creditingmethods without any charges. A written request isrequired prior to the allocation date.Under each of these index crediting methods, the interestcredited to the account value at the end of an interestcrediting period is based on the index interest rate,guaranteed not to be less than 0% for an interest creditingperiod. Any interest credited, whether through the indexor fixed option, cannot be lost by any declines in theindex in future years.DECLINING WITHDRAWAL CHARGESA withdrawal charge applies only to amounts in excessof the free withdrawal amount and decreases over time.Choose a seven- or 10-year withdrawal charge period.After the withdrawal charge period, the contract may becontinued, but no withdrawal charges will apply. Once awithdrawal charge option is elected, it cannot be changed.INCREASED FREE WITHDRAWAL AMOUNTIn addition to the partial withdrawal provision describedabove, with required prior notification, the freewithdrawal amount may be increased or the charge willbe waived for the following reasons: Free withdrawal amount will be increased to 25% ifthe annuitant has been confined to an approved nursingfacility for at least 60 consecutive days if written noticeof a claim is provided in the form of a withdrawalrequest no later than 90 days following the annuitant’sdischarge from an approved nursing facility. The withdrawal charge will be waived on any portionof the contract value that is withdrawn, after the firstcontract year, if the annuitant is suffering from aterminal illness, as defined in the contract.5 8

ACCESS OPTIONS(continued)Patience May Pay: Assuming there is comfort with the longer withdrawal charge period, the advantageover the shorter alternative is the opportunity for higher interest rates. The index options could have higherinterest rate caps and the fixed interest option could credit a higher rate. The withdrawal charges decrease asshown in the tables below.WITHDRAWAL CHARGE TABLESContract Year1234567891011 Seven-Year Charge8%7%6%5%4%3%2%0%0%0%0%10-Year Charge9%9%8%7%6%5%4%3%2%1%0%Contract YearFor CaliforniaSeven-Year ChargeOnly10-Year Charge12345678910 8%7%6%5%4%3%2%0%0%0%8%8%7%6%5%4%3%2%1%0%GUARANTEED PAYOUT OPTIONSIncome may be taken (annuitized) as scheduled incomepayments paid over a lifetime or the joint lifetimes of anindividual and his or her spouse, and is guaranteed tocontinue for no less than 10 years. Additional incomepayment options may be available.The decision to annuitize is permanent and irrevocable.Once income payments are elected, other features ofMarquis Centennial, such as account value, are nolonger available.PROTECTION AND GUARANTEESPROTECTIONUpon surrender, the contract owner will receive the surrender value of the annuity. The surrender value is the greater ofthe account value less any applicable withdrawal charges or the guaranteed minimum surrender value.GUARANTEED DEATH BENEFIT FOR LOVED ONESMarquis Centennial provides a death benefit to the named beneficiaries in the event of the death of the annuitant and/orthe contract owner. The named beneficiary will receive the greater of the account value or the nonforfeiture value as of thedate of death. Regardless, no withdrawal charge applies. Guarantees of account values and death benefits are contractualpromises supported by Lafayette Life’s General Account assets and backed by its claims-paying ability.6 8

TERMS TO KNOWAccount Value — The sum of the accumulatedvalues of the Fixed Option, the Index Option andthe Short Term Interest Crediting Method.Index — A group of stocks or other investmentsidentified and weighted by the Index provider. Thevalue of the stocks or other investments in the Indexis tracked and reported by the Index provider aschanges in the Index Value.Indexed Crediting Period — The length oftime over which the performances of an Index orIndexes are measured to determine any interest to becredited to an Index Option. Crediting Periods areone year in length. The end of one Crediting Periodmarks the beginning of the next Crediting Period.Index Option — A method of crediting of interestbased in part on the performance of an Index.There are available Index crediting methods withinthis option to which you may elect to allocate NetPremium, which contain different formulas fordetermining Index interest rates.Interest Rate Cap — The maximum amountof interest that can be credited to a given IndexOption for its crediting period. The interest rate capwill never be less than 1%.Guaranteed Minimum Surrender Value —Equals 87.5% of a contract’s net premiums minusany withdrawals, plus interest credited at a ratespecified in the contract when issued and may varyby state.Participation Rate — The percentage of anyIndex increase recognized in calculating interestcredited to an Index Option for each Crediting Period.The Participation Rate is declared in advance and isguaranteed for its Crediting Period. The ParticipationRate may be changed based on future anticipatedexperience, but it will not be less than 10%.Short-Term Interest — A net premium, if it wasnot received on an allocation date, earns short-terminterest for a period that runs from the date ofpremium receipt to the next following allocation date.S&P 500 Index — Serves as a widely recognizedbenchmark of the stock market performance of largeU.S. companies. Changes in its value do not accountfor dividends.ABOUT MARQUIS CENTENNIALISSUE AGESOwners age 18–85; annuitants age 0–85.FLEXIBLE PREMIUMSPremiums can be paid at any time, according to the termsand conditions of the contract.MinimumInitialMaximumInitial* 1,000 Per Yearor 84 Per Month 750,000(Age 18–69)(Qualified orNonqualified) 500,000(Age 70–85)SubsequentMaximum* 100,000AnnuallyCONFIDENCE FOR THE PATH AHEADAn individual may own Marquis Centennial for decades.Confidence comes from knowing that contractualpromises will be fulfilled. Interest rate and benefitguarantees are backed by the claims-paying ability ofLafayette Life. Consider the importance of ratings forfinancial strength, stability and operating performance asyou seek to fulfill your retirement ambitions.Note: Marquis Centennial is not a security. It does notparticipate in the stock market or any index, or share inany dividends paid by the S&P 500 companies. It is aninsurance contract that may help address your long-termretirement income needs.* Premiums in excess of maximum require prior company approval.Ages based on older owner if joint ownership.Marquis Centennial offers asset accumulation and access that may help create apath to financial confidence. Discuss possible next steps with a Lafayette Life agent.7 8

THE LAFAYETTE LIFE INSURANCE COMPANYWith more than 115 years of service to policyholders, The Lafayette Life Insurance Company is a financiallystrong provider of individual life insurance, annuities, and retirement and pension products and services.Lafayette Life is a member of Western & Southern Financial Group, Inc., a family of financial services companieswhose heritage dates back to 1888. With the strength of our organization and our ongoing commitment toservicing you, your business and your family, The Lafayette Life Insurance Company is a company you candepend on. Find out more about our financial strength and distinguished history at www.LafayetteLife.com.The J.P. Morgan Strategic BalancedSM Index (“Index”) has been licensed to Western & Southern Financial Group, Inc. (the “Licensee”) for the Licensee’s benefit. Neither the Licensee norMarquis Centennial Fixed Indexed Annuity (the “Annuity Product”) is sponsored, operated, endorsed, recommended, sold or promoted by J.P. Morgan Securities LLC (“JPMS”) or any ofits affiliates (together and individually, “J.P. Morgan”). J.P. Morgan makes no representation and gives no warranty, express or implied, to purchasers of the Annuity Product nor does J.P.Morgan have any liability for any errors, omissions or interruptions of the Index. Such persons should seek appropriate professional advice before making an investment or purchasinginsurance. The Index has been designed and is compiled, calculated, maintained and sponsored by J.P. Morgan without regard to the Licensee, the Annuity Product or any policyholder. J.P.Morgan is under no obligation to continue compiling, calculating, maintaining or sponsoring the Index. J.P. Morgan may independently issue or sponsor other indices or products that aresimilar to and may compete with the Index and the Annuity Product. J.P. Morgan may transact in assets referenced in the Index (or in financial instruments such as derivatives that referencethose assets). These activities could have a positive or negative effect on the value of the Index and the Annuity Product.This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman, Sachs & Co. LLC, or any of its affiliates with the exceptionof any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually andcollectively referred to as “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the advisability of investing in annuities generally orin fixed indexed annuities or the investment strategy underlying this fixed indexed annuity, particularly, the ability of the GS Momentum Builder Multi-Asset Class Index to perform asintended, the merit (if any) of obtaining exposure to the GS Momentum Builder Multi-Asset Class Index, or the suitability of purchasing or holding interests in this fixed indexed annuity.Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the GS MomentumBuilder Multi-Asset Class Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF GS MOMENTUM BUILDER MULTI-ASSET CLASS INDEX OR OF THEMETHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHSEXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.“Goldman Sachs,” “Goldman,” “GS Momentum Builder ” and “GS Momentum Builder Multi-Asset Class Index” are trademarks or service marks of Goldman, Sachs & Co. LLC, and havebeen licensed for use by the insurance company issuing this annuity for use in connection with certain fixed indexed annuities.The S&P 500 Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and has been licensed for use by The Lafayette Life Insurance Company.Standard & Poor’s , S&P and S&P 500 are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones is a registered trademark ofDow Jones Trademark Holdings LLC (“Dow Jones”). Lafayette Life’s Marquis Centennial is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates,and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of theS&P 500 Index.The Lafayette Life Insurance Company, Cincinnati, Ohio, operates in D.C. and all states except New York, and is a member of Western & Southern Financial Group, Inc. Flexible PremiumDeferred Annuity Contract with Index-linked Interest Options series ICC17 LL-06-FPIA 1701, endorsement series ICC17 LLE-04 SI-MA 1701, ICC17 LLE-05 SI-MC 1701, ICC17 LLE-06SI-PTP 1701, ICC18 LLE-10 SI-OY-PTP 1806 and ICC18 LLE-11 SI-MY-PTP 1806 and waiver of withdrawal charge endorsement ICC17 LLE-09 WWC 1704 issued by The Lafayette LifeInsurance Company.Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, The Lafayette Life Insurance Company. Guarantees are based on the claims-paying ability of theinsurer. Products are backed by the full financial strength of Lafayette Life. Marquis Centennial is not a security. It does not participate in the stock market or any index. It is an insurancecontract designed to help address long-term retirement income needs.Earnings and pre-tax payments are subject to ordinary income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals of taxable amounts from an annuity are subject toordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty. Neither Lafayette Life, nor its agents, offer tax advice. For specific tax information, consult yourattorney or tax advisor. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for product details and limitations.Annuity products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value. 2019, 2020, 2022 The Lafayette Life Insurance Company. All rights reserved.The Lafayette Life Insurance Company400 BroadwayCincinnati, OH 45202-3341www.LLIC.com

Marquis Centennial, issued and guaranteed by The Lafayette Life Insurance Company, is a flexible premium deferred fixed indexed annuity that earns interest based on changes in a market index, which measures how markets or parts of markets perform. Marquis Centennial is not invested in the stock market or any index and will never lose